BlastPoint's Credit Union Scorecard
GARY MUNICIPAL EMPLOYEES
Charter #16126 · IN
2596 CUs in <100M nationally
82 in IN
GARY MUNICIPAL EMPLOYEES has 5 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.80% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 2.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.11% below tier average
- - Efficiency ratio 25.65% above tier (higher cost structure)
- - Delinquency rate 2.33% above tier average
- - Member decline: -2.9% YoY
- - Net Charge-Off Rate: Bottom 1.0% in tier
- - Total Members: Bottom 2.4% in tier
- - Total Deposits: Bottom 2.4% in tier
- - Total Assets: Bottom 3.3% in tier
- - Total Loans: Bottom 3.5% in tier
- - Members Per Employee (MPE): Bottom 3.6% in tier
- - Average Member Relationship (AMR): Bottom 5.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
132
-2.9% YoY-3.6% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Bottom 2.3% in tier |
| Assets |
$527,742
-1.0% YoY-1.6% QoQ
|
$-29.3M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 3.2% in tier |
| Loans |
$142,084
+1.1% YoY-4.9% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.4% in tier |
| Deposits |
$296,928
-3.8% YoY-3.7% QoQ
|
$-25.2M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.3% in tier |
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| ROA |
-0.4%
-149.2% YoY-61.3% QoQ
|
-1.1% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 9.6% in tier |
| NIM |
5.7%
+1.2% YoY-0.0% QoQ
|
+1.8% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
Top 5.7% in tier |
| Efficiency Ratio |
107.0%
+54.6% YoY-9.5% QoQ
|
+25.6% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
Top 7.2% in tier |
| Delinquency Rate |
3.8%
-50.4% QoQ
|
+2.3 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
Top 8.9% in tier |
| Loan To Share |
47.9%
+5.1% YoY-1.3% QoQ
|
-13.4% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
29% |
| AMR |
$3,326
+0.7% YoY-0.4% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.1% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
52
Net Worth Ratio
risk
Value:
41.48%
Peer Avg: -
#52 of 2596
Top 2.0% in <100M tier
147
Net Interest Margin (NIM)
profitability
Value:
5.74%
Peer Avg: -
#147 of 2596
Top 5.6% in <100M tier
Top Weaknesses (13 metrics)
2571
Net Charge-Off Rate
risk
Value:
7.00%
Peer Avg: -
#2571 of 2596
Bottom 1.0% in <100M tier
2535
Total Members
engagement
Value:
132
Peer Avg: -
#2535 of 2596
Bottom 2.4% in <100M tier
2535
Total Deposits
balance_sheet
Value:
$296,928
Peer Avg: -
#2535 of 2596
Bottom 2.4% in <100M tier
2512
Total Assets
balance_sheet
Value:
$527,742
Peer Avg: -
#2512 of 2596
Bottom 3.3% in <100M tier
2507
Total Loans
balance_sheet
Value:
$142,084
Peer Avg: -
#2507 of 2596
Bottom 3.5% in <100M tier
2503
Members Per Employee (MPE)
engagement
Value:
44.000
Peer Avg: -
#2503 of 2596
Bottom 3.6% in <100M tier
2463
Average Member Relationship (AMR)
engagement
Value:
$3,326
Peer Avg: -
#2463 of 2596
Bottom 5.2% in <100M tier
2435
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,076
Peer Avg: -
#2435 of 2596
Bottom 6.2% in <100M tier
2411
Efficiency Ratio
profitability
Value:
107.04%
Peer Avg: -
#2411 of 2596
Bottom 7.2% in <100M tier
2367
Total Delinquency Rate (60+ days)
risk
Value:
3.84%
Peer Avg: -
#2367 of 2596
Bottom 8.9% in <100M tier